FOR INSTITUTIONAL INVESTOR USE ONLY. NOT FOR USE WITH OR DISTRIBUTION TO THE PUBLIC. 0FOR INSTITUTIONAL INVESTOR USE ONLY. NOT FOR USE WITH OR DISTRIBUTION TO THE PUBLIC.
OCTOBER 20, 2010
FOR INSTITUTIONAL INVESTOR USE ONLY. NOT FOR USE WITH OR DISTRIBUTION TO THE PUBLIC.
A TIAA-CREF RETIREMENT PLAN PRESENTATION TO:
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TODAY’S DISCUSSION
INTRODUCTIONS/ GOALS ………..………………………………… TERESA HASSARA, Senior Managing DirectorInstitutional Client Services
I. TIAA-CREF OVERVIEW ………………………………………… EDWARD VAN DOLSEN, Chief Operating Officer TIAA-CREF
II. PLAN SPONSOR SERVICES …………….…….………………. DANIEL CONMY, Senior Managing Consultant Institutional Client Services
III. DIGITAL STRATEGY …………………….……………………. JEFFREY FLEISCHMAN, Chief Digital Officer Marketing & Digital Strategies
IV. TRANSITION & EMPLOYEE SERVICES ….…………….…….. ELENA FRENCH, Vice President Institutional Client Services Marketing & Communications
V. INVESTMENTS ……………………………………………………. TIM WALSH, Managing Director Product & Portfolio Management
VI. THE TIAA-CREF DIFFERENCE ………………………….…….. TERESA HASSARA
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MAIMONIDES MEDICAL CENTER AND TIAA-CREF UNDERSTANDING YOUR OBJECTIVES
CURRENT RELATIONSHIP
Served by TIAA-CREF since 1985
Maimonides 403(b) plan– 6,000 eligible employees– $106,274,786 plan assets with
TIAA-CREF– $16,000,000 annual plan contributions– Current providers: TIAA-CREF,
Prudential
Maimonides 457(b) & 457(f) plans– $5,621,650 in plan assets with
TIAA-CREF– Current provider: TIAA-CREF
GOALS/ KEY CONSIDERATIONS
Simplify and streamline plan administration
Optimize plan and participant web experience
Drive successful participant outcomes
Fulfill fiduciary obligations and regulatory compliance requirements
Offer a broader range of investment choices
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TIAA-CREF OVERVIEW
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TIAA-CREF: STRENGTH AND STABILITY YOU CAN TRUST
* TIAA has received the highest ratings for its stability, claims-paying ability and overall financial strength. These ratings do not apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA's claims-paying ability. Ratings may be affirmed or adjusted at any time. There is no guarantee that current ratings will be maintained.
TIAA-CREF
Consistent, Retirement-Focused Investment Approach
Broad Claims-Paying Ability
TIAA (life insurance company affiliate)
Strong Capital Position
Triple-A Ratings*– A.M. Best Company A++ (12/09)– Fitch AAA (4/10)– Moody’s Investors Service Aaa (7/10)– Standard & Poor’s AAA (8/10)
Consistent Approach for Long-Term Stability
TIAA-CREF received the highest ranking for
trust in the financial services and insurance
industries, surpassing all competitors included
in a national brand equity survey released by
Harris Interactive.*
Highest-Ranked Brand for Trust
* TIAA-CREF received the highest numerical trust score among financial services and insurance industry brands included in The Harris Poll® 2010 EquiTrend® Study, which is based on opinions of 19,708 U.S. consumers ages 15 and over surveyed online between 1/12/10 and 1/ 21/10. Your opinion may differ. “Highest Ranked” was determined by a pure ranking of a sample of financial services and insurance industry brands.
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TIAA-CREF IS THE NOT-FOR-PROFIT MARKET LEADER EXTENSIVE EXPERIENCE SERVING HOSPITAL AND HEALTHCARE
Origins
1918 – TIAA founded by Andrew Carnegie
1952 – CREF established with nation’s first variable annuity, CREF Stock Account
Today
7,000 employees in 60 offices nationwide
15,000+ retirement plan clients
3.7 million retirement plan participants
$410.2 billion in assets under management
Data as of 6/30/10.
Representative Healthcare ClientsYears with TIAA-CREF
Memorial Sloan Kettering Cancer Center 61
Mount Sinai 45
Dana Farber Cancer Institute 34
Partners HealthCare System 14
Middlesex Hospital 11
New York Downtown Hospital 7
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COMMITTED TO THE GREATER NEW YORK METRO AREA HOSPITAL AND HEALTHCARE NETWORK
Deep Roots – In 1918, TIAA was incorporated and licensed in the State of New York to do business as a life insurance company, becoming – and remaining – the primary retirement system for the education, research and healthcare communities
Recognized Retirement Plan Expertise – TIAA-CREF continues that tradition, today managing more than $4.5 billion in hospital retirement plan assets for participants in the New York metro area alone
Community Partner and Volunteer – More than 70 years ago, TIAA’s 65 employees helped launch The Greater New York Fund – now known as United Way of New York City. And we remain a strong supporter of giving back to those who serve others
– United Hospital Fund
– The Foundation for Hospital Art PaintFests
– American Cancer Society’s Daffodil Days of Hope
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PLAN SPONSOR SERVICES
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YOUR TIAA-CREF MANAGING CONSULTANT COORDINATES ALL SERVICES ON YOUR BEHALF
ADMINISTRATOR / STAFF COUNSELING
ADMINISTRATION
PLAN IMPLEMENTATION
EMPLOYEE COUNSELING
MAIMONIDESMEDICAL CENTER
ManagingConsultant
DAN CONMY
Leads the Relationship
COMMUNICATIONS
EXECUTIVE MANAGEMENT TEAM
DED
ICA
TED SER
VICES
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HOW WE IDENTIFY OPPORTUNITIES TO DELIVER THE BEST OUTCOMES
In-depth knowledge of current plan andindustry trends is key to deliveringprograms that influence future savingsand investing behaviors
Plan Reviews
Peer Benchmarking
Gap Analyses
Satisfaction Surveys
Seminar Attendance
Focus Groups
Client and Employee Feedback
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FIDUCIARY AND COMPLIANCE SERVICES
TIAA-CREF offers a comprehensive suite of solutions to help you simplify the process of meeting and managing your ongoing fiduciary and compliance obligations
Plan Document Services
InvestmentConsulting
ComplianceMonitoring
Plan Review Services
Plan FinancialReporting Services
TIAA-CREFFiduciary and
Compliance Services
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DIGITAL STRATEGY
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OUR COMMITMENT
Three pillars underpin everything we do to support you and your employees in the digital realm.
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OUR ENGAGEMENT MODEL
Shaping our roadmap by listening to our customers and being responsive to market conditions.
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PARTICIPANT STRATEGY THE ROADMAP FOR A NEW PARTICIPANT EXPERIENCE
A distinctive, quality, user-centric experience:• Intuitive• Thoughtful• Smart• Personal• Open
First, make it easier Then, deliver the vision
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MAIMONIDES MEDICAL CENTER’S BRANDED SITE
Providing a single access point where your employees can easily:
Understand their plan investment options
Access tools and education
Complete a salary reduction agreement and enroll
Log in to:– View balances– Transact– Update information
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MAIMONIDES MEDICAL CENTER’S BRANDED SITE ONLINE SALARY DEFERRAL & PENSION ENROLLMENT
Online Salary Deferral
Transforming paper into a robust digital experience
Integrated tools to help assess the implications of plan contributions
Seamless transition to plan enrollment process
Online Pension Enrollment
Interactive decision-making tools
Quick apply option or customize asset allocation
Save and return functionality
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MAIMONIDES EMPLOYEE WEBSITE SECURE SITE REDESIGN
New aggregated views:
Aggregated TIAA-CREF investments
Aggregated non-TIAA-CREF investments
Personalization
Advice to plan for and live well in retirement:
Expanding our award-winning, fund-level advice offer to our self-service channel
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PLAN SPONSOR STRATEGY THE ROADMAP FOR A NEW PLAN SPONSOR EXPERIENCE
A distinctive, quality, user-centric experience:• Intuitive• Thoughtful• Smart• Personalized• Fast
First, make it easier Then, deliver the vision
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MAIMONIDES MEDICAL CENTER’S BRANDED SITE
Providing a single access point where you can log in to:
Process contributions
Generate reports
Maintain plan compliance
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ENROLLMENT AND SALARY DEFERRAL MANAGEMENT
Create and manage Your Organization’s salary deferral agreement
Track completed salary deferral agreements by employees
Payroll feedback files provided by TIAA-CREF
Track all plan enrollment activity
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PLAN DASHBOARD
An aggregated view of Maimonides Medical Center’s retirement plan for information and reporting – with the ability to identify specific Participant information and activities
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TRANSITION & EMPLOYEE SERVICES
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PROVEN IMPLEMENTATION PROCESS DISCIPLINE AND EXPERIENCE ENSURE A SMOOTH CONVERSION
DEDICATED PLAN SPONSOR
SUPPORT
Implementation Manager oversees plan conversionDelivery Consultant Name builds out project plan and executes deliverablesSenior support team members oversee operations and quality assurance processCommunication & Education Manager builds and delivers customized employee strategy
PLAN AND SYSTEM SETUP
Tailored project plan
Regular meetings on deliverables, issues and risks
Setup of employer, plan and data elements
Recordkeeper interactions for review and delivery of data and specs
END-TO-ENDTESTING
Full review of enrollment, loan and financial data processes
Multiple levels of testing to ensure integrity of data elements
Prompt issue resolution
POST-IMPLEMENTATION
SUPPORT
Monitoring phase
Institutional Liaison administers plans according to expectations
Single, Integrated Implementation
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SAMPLE PLAN IMPLEMENTATION AND TRANSITION COMMUNICATION AND EDUCATION TIMELINE
TIAA-CREFSelected
Transition Complete12-WEEK PROCESS
Assetsreceived
Begin ongoing communications
Strategymeeting
Plan Document provided
Final fund selection and
mapping
Announcement mailing and email
Plan provisions
Agreements
Finalize transition communications
Administrator training on
website capabilities
Administrator training on transition
communica- tions and
group meeting topics
Blackout notice
Begin group meetings
Coordinate asset transfer
with prior recordkeeper
Begin individual
counseling sessions
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ANALYZE
3
Our four-step approach ensures your plan is tailored to meet your business objectives and the diverse needs of your workforce
WORKING WITH MAIMONIDES MEDICAL CENTER TO BUILD A CUSTOMIZED COMMUNICATION & EDUCATION PLAN
1 2 PLAN
4EXECUTE MEASURE
Understand key driversDemographicsBehaviorEnvironment
Chart the courseTarget audiencesTiming
– Implementation– Ongoing
Deliver via appropriate channelsIn personBy phoneOnlineMail and e-mail
Assess and modifyMetricsSurveysFeedback
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COMMUNICATION AND EDUCATION DESIGNED TO MAXIMIZE EMPLOYEE ENGAGEMENT
WEBSITE TOOLSAND RESOURCES
APPS ANDDOWNLOADS SOCIAL MEDIA
NEWSLETTERS ANDSPECIALIZED GUIDES
QUARTERLYSTATEMENTS
PLANNING BROCHURES
We believe financial literacy is the primary driver of financial security in retirement.Our messages, delivered through a variety of mediums, are educational and objective.
Investment educationAsset allocation and diversification principlesPlanning and investment strategies
Monitoring and rebalancing conceptsIncome needs and distribution optionsIntegrating life’s other goals
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TIAA-CREF ADVICE AND PLANNING SERVICES DESIGNED TO ADDRESS THE UNIQUE NEEDS OF EVERY EMPLOYEE
CUSTOMIZED FINANCIAL
SOLUTIONS *
Holistic Financial PlanningAnnual Retirement and Investment ReviewsManaged AccountsDiscretionary ManagementFiduciary Services
PERSONALIZED ADVICE
& COUNSELING
Objective Advice & Planning ServicePersonalized Action Plan
– Plan-Specific Fund Selection
GUIDANCE & EDUCATION
Asset AllocationSavings RateDistribution OptionsRetirement Age
* These services may not be available to all employees.
Counseling sessions targeted to career and life stages help employees answer three primary questions:
“ Am I saving enough for retirement? ”
“ How should I allocate and invest to reach my goals? ”
“ When can I retire?”
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RECOMMENDED SAVINGS RATE
DESIRED RETIREMENT INCOME
TIAA-CREF ADVICE AND PLANNING SERVICES PERSONALIZED REPORT
RECOMMENDED ASSET ALLOCATION
RECOMMENDED FUND SELECTION
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INVESTMENTS
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TIAA-CREF OPEN ARCHITECTURE INVESTMENT LINEUPS
EASYProven process to exchange/replace existing investment options
VALUE ADDEDAll mutual fund reimbursements used to offset Maimonides Medical Center plan expenses
FLEXIBLEOpen architecture and broad menu discretion
COMPREHENSIVENearly 15,000 mutual funds through NSCC network
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TIERED APPROACH TO BUILDING MENUS ACCOMMODATING ALL EMPLOYEE NEEDS
Tier I “One Decision” Target Date / Asset Allocation Mutual Funds
Tier II Open Architecture Wide Range of Mutual Funds
Tier III Lifetime Income* TIAA-CREF Guaranteed and Variable Annuities*
Tier IV Brokerage Window Additional Mutual Funds and Individual Securities **
We believe a tiered investment menu offers choice, serves all employees and, ultimately, delivers financial security in retirement
* Guarantees are subject to the issuer’s claims-paying ability.** Individual securities are not allowable investments in 403(b) plans.
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HOW TIAA TRADITIONAL AND TIAA STABLE VALUE COMPARE
TIAA TRADITIONAL ANNUITY(Retirement Choice)
Plan type: 403(b), 410(a)/(k), 457(b) Public, 457(f), 415(m)
Primary collateral account: TIAA General Account
Credit rate structure: Vintage structure for both new and old money
Crediting rate reset frequency: New money, generally monthly; old money, annually
Minimum crediting rate: 1%-3%
Participant-initiated plan benefit withdrawals: Lump-sum withdrawal allowed within 120 days of termination, subject to a 2.5% surrender charge. Otherwise, withdrawals and transfers must be spread over an 84-month period (7 years) in monthly systematic payments
Employer liquidity: Over 84 months with a 1.5% surrender charge
TIAA STABLE VALUEA Fixed Annuity Providing Capital Preservation and Income
Plan type: 403(b), 401(a)/(k), 457(b) Public, 457(b) Private, 457(f)
Primary collateral account: TIAA Separate Account
Credit rate structure: Single portfolio rate by pool
Crediting rate reset frequency: Semiannually
Minimum crediting rate: 1%-3%, before deductions for plan-specific charges
Participant-initiated plan benefit withdrawals: Fully liquid, no restrictions (90-day equity wash applies if competing funds exist). Transfers in may not be made for 30 days following a transfer out
Employer liquidity: Within 90 days or in two years, depending on interest-rate environment, with no surrender charge
The TIAA Traditional Annuity is a guaranteed annuity backed by TIAA's claims-paying ability. TIAA Traditional guarantees your principal and a minimum interest rate (typically between 1% and 3%), plus it offers the opportunity for additional amounts in excess of the guaranteed rate. These additional amounts, when declared by the TIAA Board of Trustees, remain in effect for the "declaration year" that begins each March 1. Liquidity and withdrawal restrictions may apply.TIAA Stable Value is a guaranteed annuity contract issued by TIAA. Contributions from different plans are pooled together and deposited in a non- unitized pooled separate account of TIAA. TIAA Stable Value provides a guaranteed minimum rate of interest of between 1% and 3% (before deductions for contract fees). Payment obligations and the fulfillment of the guarantees provided for in the contract are supported by the assets held in the separate account. If the assets in the separate account are insufficient to meet these obligations, the shortfall is supported by the General Account of TIAA, and is therefore subject to TIAA’s claims-paying ability. Past interest rates are not indicative of future interest rates. This product is not a mutual fund, variable annuity or bank product. The obligations of TIAA are not insured by the FDIC or any other federal governmental agency. Please refer to the annuity contract or certificate for further details.
FOR INSTITUTIONAL INVESTOR USE ONLY. NOT FOR USE WITH OR DISTRIBUTION TO THE PUBLIC. 33FOR INSTITUTIONAL INVESTOR USE ONLY. NOT FOR USE WITH OR DISTRIBUTION TO THE PUBLIC. 33FOR INSTITUTIONAL INVESTOR USE ONLY. NOT FOR USE WITH OR DISTRIBUTION TO THE PUBLIC.
THE TIAA-CREF DIFFERENCE
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BENEFITS OF AN EXCLUSIVE RELATIONSHIP WITH TIAA-CREF LOW-FEE STRUCTURE FOR A FULL RANGE OF SOLUTIONS
Streamlined Administration
Enhanced Web Capabilities
Targeted, Actionable Communication and Education
Full Compliance & Fiduciary Support
Total Investment Menu Flexibility
The Solutions You Need
Competitive Fee Structure
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IMPORTANT INFORMATION
TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. Advisory services offered by Advice and Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a Registered Investment Advisor. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY.
TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit tiaa-cref.org for details. Investment products are not FDIC insured, may lose value and are not bank guaranteed.
You should consider the investment objectives, risks, charges and expenses carefully before investing. Go to tiaa-cref.org for a prospectus that contains this and other information. Please read the prospectus carefully before investing.
© 2010 Teachers Insurance and Annuity Association-College Retirement Equities Fund (TIAA-CREF), New York, NY 10017
C49191